Retirement Planning Outline Retirement Planning Today contains something for everyone. The program addresses financial issues that pertain to the self-employed as well as employees of corporations and government agencies. The course is designed to teach you how to build wealth and align your money with your values to accomplish your goals in life. Whether you plan to retire 20 years from now or have just retired, the information you learn in this class can deliver rewards throughout your lifetime.

Life Planning for Retirement Traditional vs. new retirement New retirement opportunities Values and objectives in nine areas of life The retirement planning process Retirement Needs & Expenses Early retirement trends How long must your money last? Inflation, prices and purchasing power Real rate of return Retirement expectations How much will you need to retire? Can you retire today? Retirement Roadblocks & Mistakes Ten retirement planning mistakes Financial and cash-flow statements Credit and debt Taxes and marginal tax rates Eleven strategies to save money on taxes Taxable investments Capital gains income tax exclusion Investments with tax advantages Retirement Income Sources Traditional IRAs Roth IRAs IRA to Roth IRA conversions Other retirement income sources Social Security eligibility and benefits Employment income and Social Security Employer-sponsored defined benefit plans Employer-sponsored defined contribution plans   Retirement Plan Distributions Retiring or changing jobs? Defined benefit and contribution plans Three important considerations Lump sum vs. IRA transfer vs. annuity payments Rollovers, direct rollovers and transfers Annuity income and choices Pension maximization Early retirement considerations Minimum required distributions Investments Considerations before you invest Cash accounts Bonds Stocks Mutual funds Unit investment trusts Individually managed accounts Tax-deferred annuities Investment risk management strategies Risk Management & Asset Protection Disability income insurance Health insurance and Medicare Long-term care and insurance Comparing life insurance Estate Planning Planning for incapacity Taxes A will may not be enough Probate Gifting assets Joint ownership of property Direct transfer assets Benefits of trusts Types of trusts